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Upturn AI SWOT - About
Sierra Bancorp (BSRR)
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Upturn Advisory Summary
06/11/2025: BSRR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $31.25
1 Year Target Price $31.25
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.63% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 412.58M USD | Price to earnings Ratio 10.57 | 1Y Target Price 31.25 |
Price to earnings Ratio 10.57 | 1Y Target Price 31.25 | ||
Volume (30-day avg) 5 | Beta 0.74 | 52 Weeks Range 20.61 - 34.52 | Updated Date 07/1/2025 |
52 Weeks Range 20.61 - 34.52 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 3.35% | Basic EPS (TTM) 2.81 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.96% | Operating Margin (TTM) 35.37% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 11.58% |
Valuation
Trailing PE 10.57 | Forward PE 11.44 | Enterprise Value 528287776 | Price to Sales(TTM) 2.86 |
Enterprise Value 528287776 | Price to Sales(TTM) 2.86 | ||
Enterprise Value to Revenue 4.16 | Enterprise Value to EBITDA - | Shares Outstanding 13818800 | Shares Floating 12186476 |
Shares Outstanding 13818800 | Shares Floating 12186476 | ||
Percent Insiders 10.27 | Percent Institutions 57.01 |
Analyst Ratings
Rating 3 | Target Price 31.25 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Sierra Bancorp
Company Overview
History and Background
Sierra Bancorp was founded in 1978 and operates as the holding company for Bank of the Sierra. It has grown organically and through acquisitions, expanding its presence in California's Central Valley.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services including loans, deposit accounts, and cash management for businesses.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Kevin McPhaill serves as the CEO. The company has a typical bank holding company structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a core product, generating a significant portion of revenue. Market share is regional within the Central Valley of California. Competitors include larger regional and national banks like Wells Fargo, Bank of America and US Bancorp.
- Mortgage Loans: Offers mortgage loans to individuals. Revenue from mortgage loan origination fluctuates with interest rate cycles. Competitors include national mortgage lenders and other local and regional banks.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. It's influenced by interest rates, economic conditions, and technological advancements.
Positioning
Sierra Bancorp is a community bank focused on serving the Central Valley of California. Its competitive advantage lies in its local expertise and personalized service. Their net interest margin is usually strong.
Total Addressable Market (TAM)
The TAM for banking services in California's Central Valley is estimated to be in the billions of dollars. Sierra Bancorp captures a fraction of this TAM, with significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Solid asset quality
- Strong net interest margin
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on local economy
Opportunities
- Expansion into new markets within California
- Increased digital banking adoption
- Acquisition of smaller banks
- Growing population in Central Valley
Threats
- Rising interest rates
- Increased competition from online lenders
- Economic downturn in California
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
Competitive Landscape
Sierra Bancorp competes with larger national banks and other regional banks. Its advantages include local expertise and personalized service, but it faces challenges from larger competitors with greater resources.
Major Acquisitions
None
- Year:
- Acquisition Price (USD millions):
- Strategic Rationale:
Growth Trajectory and Initiatives
Historical Growth: Sierra Bancorp has experienced steady growth in assets, loans, and deposits over the past decade.
Future Projections: Analysts project continued growth in revenue and earnings, driven by loan growth and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion of commercial lending services.
Summary
Sierra Bancorp is a well-managed community bank with a strong presence in the Central Valley of California. Its consistent profitability and dividend payments make it an attractive investment. However, its reliance on the local economy and smaller scale compared to national banks pose challenges. The company is poised for continued growth through strategic initiatives and expansion into new markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Company Website
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is an estimate and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sierra Bancorp
Exchange NASDAQ | Headquaters Porterville, CA, United States | ||
IPO Launch date 1994-11-02 | President, CEO & Director Mr. Kevin J. McPhaill | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 489 | Website https://sierrabancorp.q4ir.com |
Full time employees 489 | Website https://sierrabancorp.q4ir.com | ||
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; mobile check deposits; online lending solutions; online and automated telephone banking services; and remote deposit capture and payroll services for business customers. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.
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